• Preventing Online Identity Theft

    Protect Yourself From Identity Theft Online

    When identity theft online happens, it can be several months before you are aware that anything has happened. This makes it much more dangerous than other types of theft. If someone steals your wallet, or your car, you notice it immediately, and can start to take steps to protect yourself. When someone plants a cookie on your computer, you don’t even notice it. Each time you visit a site, send an email, or use your credit card online, all the information is delivered to the eager hacker. From there, he can either use the information himself, or sell it online to anyone with the cash and the desire for an alternate identity. A recent report from a major internet security firm estimates that the value of all your personal identity data is about $18 US, and can be purchased on a number of internet sites.

    A number of computer programs are available to help you protect yourself from identity theft on the internet. If you are considering purchasing a program to make your computer more secure, take the time to do the research before investing your hard-earned money. You want a program that is frequently updated. The identity theft hackers are constantly working on ways to out smart these types of programs, and you want one that is working just as hard to protect you. Once you decide on the right program, be sure that you don’t ignore the messages to download the latest upgrades. If you ignore these messages, you are refusing to keep your computer secure.

    It is also a good idea to frequently change your passwords to any sites that hold your personal information. Use a combination of letters and numbers, and don’t use phone numbers, addresses, or birthdates for your passwords. Also, if you share your computers with others, or use the internet at work, do not check the remember this password prompt. This is an open invitation for anyone else that uses the computer to have full access to all your information.

    If you suspect that you have become a victim of online identity theft, there are a few steps to take immediately. You will need to place a fraud alert on your credit report. This tells creditors to take extra steps before opening any new credit accounts in your name. Next, you should close any accounts that you know were opened fraudulently, or have been tampered with. Also, notify your local police, and file a report with them. They will want information about how and where you think the identity theft took place. You can use the History button on your internet browser to track websites you visited recently. This will help to narrow down the suspect sites.

    Identity theft online is quickly becoming a threat to all internet users. Once you become a victim, your life, and your credit rating will never be the same. Take steps today to prevent identity theft on the internet from happening to you and your family.

    Identity Theft – How It Happens and What You Can Do To Prevent It

    Identity theft is one of the fastest growing crime trends today, consequences from such crimes lead victims to deal with financial stress and even bankruptcy. Find out how it all happens and what you can do to protect your identity.

    Along with the benefits of better technology and faster ways of communicating, providing information and services, comes the huge risk of identity theft. This trend of white collar crimes has been in full effect for several years and has progressively increased in numbers of cases as more and more people find new ways of obtaining and providing information.

    Why do bad things happen to good people? It really isn’t that hard to steal someone’s identity and the majority of people are not always smart about protecting personal information, making them perfect candidates for identity theft. Good people are often too trusting and naive, but you don’t have to have these personality traits to become a victim, it can happen to anyone.

    How does identity theft happen and how do you prevent it? I am listing here some of the most common ways a thief gets access to your information and you will most likely begin to think about the many times you may have contributed to increasing the likelihood of this happening to you.

    1. Phishing – one of the most common and still very effective methods. When you are contacted via email or phone by someone asking you to "verify" specific information related to your credit card, pay pal or bank account, they are phishing. No credit card company or bank will EVER contact you asking you for any information about your account over the phone or via email. They know there’s a lot of risk in doing this. Paypal, (an eBay company) also does not practice this. Yet there are tons of spam emails in millions of inboxes asking for this information and very often the information is provided by people who are led to believe that these are legitimate requests.

    One method closely related to phishing is getting that call that says you’ve won a prize, they’re usually really excited and they try hard to get you excited about the bogus prize. Once they get you to that level, they’ll ask for your bank account so they can deposit your winnings for you. You kindly provide the info and wait for the prize money to post, only to find out that you’ve just given the thief a prize. This one has not gotten old yet, it still works.

    1. Online hackers – if you’re online a lot you probably have learned a few ways to protect yourself from computer hacks. This is still a growing trend today. Many online users do not make use of the necessary technologies to protect their computer systems. Virus software and firewall software should be used on every PC you own. Hackers are very resourceful individuals and they know how to get into some of the most secure sites in the world so your Dell PC running Windows XP or Vista is no big challenge. If you’re used to keeping files with credit card and bank account information on your system they can easily be found and taken.

    2. Credit card offers – this is something that highly contributes to the chances of you becoming a victim. Credit card companies are in business for money and nothing else. Any protection they are likely to extend to you for a monthly fee is in fact useless as far as your total identity protection goes. If a credit card company receives an application with all your personal information, they will process the application after checking your credit and send you the approved card shortly after. Anyone with your information can make this request, it’s that easy.

    To opt out of credit card offers you can do a search for "opt out of credit card offers" and you’ll get a few reliable sources where you need to provide your information for this to happen. You can do this for a time limit or permanently. Always use caution when you provide this information online, make sure the "lock" icon shows up near the status bar of your browser, this means that the information you’re about to provide will be encrypted and protected.

    1. Old browsers – if you are still running windows ME, 98 or God forbid 95 for some reason then you’re probably using a very outdated version of Internet Explorer. If that’s the case, you’re not only at risk, you’re asking for it. Older browsers have serious vulnerabilities that have been corrected in the more recent versions, so if this is you, fix it immediately. Whether you use IE, Firefox or Opera, always update your browsers to the newer versions when they’re released since the security features are often updated.

    2. Your wallet and your purse – how much information do you carry with you? Are you one of those people with a burrito size wallet full of receipts, notes, credit cards, membership cards, contact and other sensitive information? What would happen if you lost your wallet of purse with all of this information in it? It would probably take you more than a few hours to notify every credit card company that you have lost your cards. But how do you know if you have covered yourself enough. Some people carry the information of their kids in their wallets as well. Kids are not shielded from this happening to them; their financial lives could be ruined before they even start them.

    3. Shred your old information – shredders are not expensive, invest in one at once. Never put your old bank account statements or credit card bills in the trash bin. This information can be used to access your accounts and you may have just made somebody’s day by making it available to them. Get in the habit of shredding everything.

    4. Spam and pirated software – You should never open spam email, these are emails from sources you do not recognize, and often your web mail account will automatically filter. But for those that make their way into your inbox, you should always delete. Also never download, or accept pirated software no matter how cool the application. The code on the software has been modified so that it can install without a product key, meaning that the hacker has also been able to add code that can record your activities. These are called keyboard logging programs, which run in the background and you never know about. Once your typing has been recorded the program will send the information to the hacker who can use that information to get access to account logins with your passwords into your credit card or bank account.

    Even when you take all these precautions, it’s difficult to guarantee that your information will be secure. These are only some of the most common ways identities are stolen. Thieves are becoming more and more creative with their scams, and know that their methods only work for so long and so they’re constantly coming up with new ways of getting to your information. It’s because of these unknown methods that no one can be truly safe.

    There are ways to protect your self against identity theft, but most of these are merely credit monitoring services that are offered through sponsored programs run by the three credit bureaus. These programs have certain guarantees but basically what the service does for you is notify you of suspicious events on your credit. Meaning that they notify you when something has occurred, and this is your queue to take action and stop the illegal activity.

    A more advanced method of protecting your identity is to have a complete protection service that not only monitors your credit activity but stops new account from being opened under your name and SSN. These are more specialized services and they offer the most advanced methods in total protection of your identity.

    Whatever method you choose to prevent this from happening, it’s important that you practice the precautions listed above and employ at least one of the services available, whether you choose total protection or monitoring alone.How to prevent identity theft Online identity theft is rapidly growing, learn what you can do to protect yourself.What is Identity Theft?

    Stealing Identity: Methods and Prevention

    Identity theft occurs when some piece of an individual’s personal information is stolen and used to commit fraud. Find out what is identity theft and how to prevent it. Some Tips For Preventing Identity Theft

    One of the easiest things that one can do to help prevent identity theft from people going through your garbage is to buy a cross-cut type shredder. Shred all your important papers and especially pre-approved credit applications.

    How to Deal with Identity Theft

    If you are the victim of identify theft you need to take immediate action to minimize liability and further damage. Here’s what to do – and who to contact – if your personal information has been stolen.

    Protect Yourself From Identity Theft

    When I was still working as a call center agent in our company’s fraud division, I was tasked to deal with identity theft victims and provide recommendations on how to remove unwanted charges on their credit card or checking account.


  • Best Hardwood Floor Cleaner & Vacuum for Hardwood Floors 2017

    As you know, there are many cleaner machines on the market and you are wondering how to choose the best hardwood floor Vacuum, cleaner & Best Vacuum for Hardwood Floors 2015 for your house. Today, I am here to share you some experience to choose a good cleaner and some popular cleaners which is like so much.Why you should use a hardwood floor cleaner:

    You want to use wood floor for your house but you are scared of cleaning them. You find that cleaning hardwood floor is very difficult. This worry will disappear when you use a cleaning machine instead a usual broom. Your house will become cleaner and safer for your children.

    Besides, for a traditional broom, you can’t clean under the bed daily. But this becomes much easier when you use a cleaner. Your house will be cleaned completely even at the corner or under the furniture. And another reason, the vacuum has much more power so it will mop and sweep most dirty, dust or debris effectively and fast.Best Vacuum Cleaner for Hardwood Floors 2015The comparing between a traditional upright vacuum and an automatic vacuum:

    We often see two types of cleaner on the market: upright and automatic cleaner. For an upright items as Hoover Floormate Deluxe , Hoover Floormate Spinscrub, you also can clean with the strong power and you can clean the touch-hard places. However, to have much more time for work and family, many customers have chosen an automatic cleaner like: Mint Automatic hard floor 4200.

    For an automatic cleaner, you can setup schedule for it all days and you will be freedom to enjoy the life as listening to music or going shopping. Mint automatic cleaner is applied many modern technology so you will have chance to experience results of technology development on the world.

    Besides, with compact design, an automatic Mint can clean at the smallest place and hardest-to-reach ones.

    And importantly, Mint works very quiet which will not disturb by the noise as others. It is interesting when you both read book and see a robot cleaning your house.

    Top 3 Best hardwood floors Vacuum cleaner brand 2017:

    Mint HardFloor Cleaner:

    It is right as its name. Mint is the automatic cleaner. It is very compact to move. It can work on many types of floor.

    With the features of mopping and sweeping, your hardwood floor will be cleaned quickly and slightly with microfiber cloths that is enough soft to avoid ruining your hardwood floor.

    It is designed to clean automatically in the certain areas by virtue of guiding of the Northstar Navigation system. It allows your Mint to avoid falling down the stairs thanks to the intelligent Navigation.

    Your house will be cleaned completely by two modes: sweep and mop. Thanks to two processes, the hardwood floor will no longer dirty or dust. The floor is drier behind the mint than if you were mopping the floor yourself.

    Microfiber cloths of Mint can re-wash and re-used hundreds of times so you don’t have to worry about this. Its speed is good. Not the fastest but very efficient. It really gets at every spot in a methodical fashion.

    Because Mint is not a vacuum, it doesn’t have bins. You will not take time to empty it.

    Mint cleaner is appreciated by the quietness when it works. It is distinct with traditional vacuums. Battery life is good. It is long enough life to get through more than a couple rooms per charge.

    Hoover FloorMate Deluxe:

    Deluxe also works on many types of floor as vinyl, hardwood…It uses specialty brushes for cleaning wood. And these brushes are removable.

    And this cleaner has the dual tank technology. It will separate the dirty water with the clean water, and then you have to empty these tanks. Thanks to separate tank, you are sure that your house is cleaned effectively.

    Hooever Delux also has two modes: wash and dry mode. It is integrated the multi-purpose sbinscrub technology to clean floor from all angles. It looks quite solid. It is very easy to use .

    Hoover FloorMate Wipes:

    Spinscrub is not as compact as Mint cleaner. But it can do 3 in 1 functions. It can mop, wash and dry. Interestingly, its handle can be folded so it doesn’t count much space and this is really good for small houses.

    You can choose modes easily only by turn the dial for stage 1 for vacuum, stage 2 for washing and stage 3 for drying. And Spinscrub also has separate tank and counter-rotating brushes gently wash and scrub hard floors from all angles.

    How to choose the best hardwood floor cleaner 2017:

    You should choose a cleaner which has the strong power. It can maintain activities effectively and fast.

    If you are so busy to do housework, you can choose an automatic cleaner as Mint automatic hardwood floor cleaner. Thanks to automatic schedule that is setup, you can comfort to do anything you want.

    For an automatic cleaner, it can remove easily from place to other one. It will not be interrupt by cord.

    You also should pay attention to the space of house. you shouldn’t buy so big cleaner that will count much space making your house more narrow.How to clean hardwood floors & Engineered hardwood floors

    The overview:

    Living the technical world, you also should change the traditional habit of doing housework. By applying the technology into the life, you are experienced freedom and relaxing. You image that when you come back home and he home will be cleaned fast during you still relax. This is by virtue off a robot cleaner- Min


  • Buy Megadrox On Amazon At A Discounted Price

    There are times when things might look less than excellent, but they turn out to have a purpose. Even if that reason is just to find something out. This time that unpleasant spark was an argument between my girlfriend and I. At about 50 degrees outside, and dark, it probably wasn't the best idea, but good ideas aren't always what you need when you just have to let off some steam. I set about jogging and dusted off the first block pretty easily. Now when I say "pretty easily", I really mean it was way too easy for me having not run any miles in quite some time. I clocked my first mile at being sub seven minutes. What's more surprising, I felt great. I would have finished the next few miles in the same sub seven had I not rolled my ankle on a crack in the sidewalk. I felt like a deer myself at this point. I kept on pushing, through the pain, fueled on adrenaline and deer antler velvet. The velvet seemed to have almost a mythical quality to it at that point. I was amazed that the deer antler velvet was actually as powerful as it had been hyped up to be, and every workout it seemed to amaze me even more.

    Buy Megadrox On Amazon -  See Lowest Price Here

    At the end of my long workout, I hopped into bed feeling relaxed, with an irritated but loving girlfriend, and a swollen, but healing, ankle.

    The following day I was to awaken to a barely swollen ankle. It has been three days since, and the pain is already almost completely gone. This is unheard of and I have never before had a sprain that didn't at least bother me for a week after the injury. The deer antler velvet must have reduced the inflammation and sped up healing.

    I picked up my brother, the one that didn't really believe deer antler velvet worked, the day after that revealing run. I told him how I not only had the endurance for my run, but enough to go again at the point in which I should have been finished I finished my 5 mile run then went to my girlfriend's apartment complex's gym to do some more cardio and to lift weights. Yes, with a very sprained ankle. He said his endurance was to the point of being stupid and that he could barely get a good workout in anymore because it was taking so much to exhaust him since he began taking the deer antler velvet. He admitted it worked, and was as excited as me about the idea of something which had a million claims of what it could do, but that could actually back up those claims as well. Deer antler velvet...not quite the placebo I suppose.

    Deer Antler Velvet Can Give You The Energy And Vitality You Need

    If you have been looking for a way to supplement your daily nutrition intake, then deer Antler Velvet may just be the thing you want. Deer Antler velvet is packed full of nutrients and vitamins that can bring energy and vitality to your daily life. This supplement includes over 390 active ingredients such as IGF, lipids, proteins, HGH, IGF-1, minerals, chondroitin, glucosamine, megadrox muscle builder and other growth factors. The power and effectiveness of Deer antler velvet has been long known in China and is just now coming to be known in the West.

    The ingredients in deer antler velvet are naturally formed each year with the new growth of the nutritional supplement. The methods and techniques of mastering the nutrient have been cultivated and passed down through the ages. Now that the supplement has gained widespread recognition and acceptance in Europe and America everyone can enjoy the vitalizing effect of deer antler velvet.

    Second only to ginseng, velvet antler is a mainstay of traditional Chinese medicine. The name refers to the artilaginous antler in a pre-calcified stage. The supplement is made typically by cutting the base of the antler to about two-thirds of its potential full size, and doing so before any significant calcification occurs. The antler is then dried up. After this process, the antler can be used in powder or in tea form for a wide variety of health remedy and health maintenance purposes.

    It is important to realize that deer antler velvet is the only natural renewable source of chondroitin and glucosamine in the world. If you refuse, or can't for medical reasons, take chemical nutritional supplements, then deer antler velvet is the perfect solution for you. It is can be used to help you fight sickness, or to help give you the boost of energy you need to get through your day.

    Deer antler velvet is available today in many forms; and as more and more people seek ways to increase their sense of wellness and vitality, it has become more popular. Although deer antler velvet is not a substitute for conventional medicine, it can be considered complimentary to it. However, one should not deduce that it is not effective as a dietary and medicinal supplement. Deer antler has proven time and again to contribute to the efforts of those pursuing a healthy life.

    Fortunately, it is not that difficult to find the deer antler velvet nutritional supplement. The best place to begin your search is the worldwide web. The web allows you to bring the website of various firms that offer deer antler velvet to your computer screen. This allows you to compare value and price; and it also gives you all of the information you need about the supplement. Using the web also enables you to find out the reputation of the vendor you're thinking of doing business with. The best predictor of future performance is past performance. And the vendor that has proven record of delivering high customer satisfaction is the one most likely to meet your needs and expectations.


  • 5 Simple Ways You Can Cut Back on Your Business Expenses

    Regardless of whether you run a commercial venture from home or a large company operates on a global basis, financial control should always be treated as a top priority, because failure to keep a finger on the pulse of finance is at best foolhardy and at worst, potentially ruinous. Of course, it’s incredibly easy to talk about reining in expenditure, but with so many things to pay for just to keep operations ticking over; it can often be easier said than done. There will of course always be bills and financial outlay to factor into the equation, but there are ways in which companies large and small can ease the burden and the following is a list of examples where money can be saved.

    1. Travel
    2. Equipment
    3. Accommodation
    4. Social activities
    5. Staffing levels
    Naturally, all of the above are important in their own right, but there are ways to save money on the aforementioned without causing disruption and inviting negativity through the door. Take accommodation as a prime example: Now it’s often the case that companies are paying exorbitant rents for premises that are either wholly unsuitable or well overpriced, but there really is no need for companies to struggle along under such circumstances, especially seeing as there are far more attractive alternatives available out there in this day and age.

    Whichever way company owners care to look at it, fully equipped workspace solutions are simply far too good to be overlooked and as most will surely agree, what’s on offer eclipses regular workspace options in just about every way that one cares to mention. From virtual facilities that are ideal for smaller operations that are looking to up their profiles, to simply stunning workspace along the lines of executive suites in W-Hollywood, fully equipped workspace comes in all shapes and sizes, but whatever the configuration that businesses opt for, cost effectiveness will always come as a standard part of the package.

    Implementing cost saving strategies

    Without a doubt, moving commercial operations into fully equipped and managed workspace is a great way to cut back on expenditure, but businesses don’t have to stop there, because there are other areas readily available that can help companies to operate on a more cost effective basis.
    • outsourcing certain task
    • identify unproductive practices
    • streamlining operations
    Saving money without harming how businesses are run will surely appeal to every cost conscious company owner and in actual fact, those cost saving exercises can actually help commercial ventures to run far more efficiently in the long run. Whichever way one cares to look at it, money saving strategies and affordable workspace that comes fully equipped and ready to go make sense, especially for those who are keen to maintain the financial equilibrium.
    • sumptuous corporate lounges
    • fully equipped workspaces
    • professional backup
    Multifaceted commercial premises offer a wide range of cost effective workspace solutions and whichever style of accommodation businesses choose to embrace, it’ll no doubt be a case of positives all the way. Helping to promote a professional image and with the ability to keep finances in check, equipped premises that boast enviable locations and an extensive list of resources and facilities are the perfect choice for those businesses that can appreciate the perfect blend of quality and affordability. From small ventures to those that operate on a truly global basis, matters of a financial persuasion should always be given top billing; indeed, those who embrace change and identify ways to rein in expenditure will be doing themselves a whole world of favors.


  • Three Classic New Car Finance Horror Stories To Avoid

    Tt’s not every day that you try to finance a new car, and believe it or not there is a right way and a wrong way to get this job done. Of course no one wants to do things the wrong way, but it happens every once in a while. Here are some true horror stories that other people have faced when trying to finance their new car. Perhaps we can all learn something from these problems so that we may never repeat them.

    The Classic Car Dealer Hostage Situation

    Many people will choose to make their new car purchase through a local car dealership. There is nothing wrong with this, and sometimes it can be the only way to purchase a brand new car. To make things more convenient, new car dealers will also offer their own in-house financing. This sounds like a great idea. You can purchase your new car and get all of the financing done in the same place, but this may not be the best choice.

    Not all car dealerships play nice. Some of them have even been known to play a few tricks on customers in order to get them to use their in-house financing. There have been extreme cases where car dealerships have “misplaced” the customer’s keys in hopes of getting them to sign a contract and finance through them.

    Choosing car finance through the dealer also gives them the opportunity to overcharge customers. When the car dealership has control of the financing, they can inflate the price if they feel like it. They may include hidden dealer’s fees. Secure financing before you go to the new car dealership if you want to be able to avoid these types of problems.

    Pre-payment Penalties

    You would think that a bank would be happy for you to pay off your car loan early and in most cases they are more than happy, but there are some sneaky banks and financial institutions out there that are imposing fees for paying off a loan early.

    We all know that banks are not loaning us the money for a new car out of the kindness of their hearts. They are doing it to make money and there are some banks out there who do not like the idea of you paying your auto loan a little early. This is because they make less money. That is why there is a pre-payment penalty. Whoever heard of such a thing? The honest truth is this. They do exist. Make sure that you don’t fall victim to these types of payment penalties.

    Beware of Zero Interest Car Loans

    We all know that nothing in life comes for free. There is a price tag on everything. Sometimes you just have to dig deep to find it. The same can be said of car loans that are advertised with zero interest. The problem with these types of loans is the simple fact that there will be interest if the loan is not fully paid off in a certain amount of time. This may not be the case with all car loans that offer this type of deal, but it never hurts to read the fine print.

    This guest post was contributed by John Engel, the owner of GreenCash4Cars in Orange County, California.  They pay the most cash for cars in Southern California.   Get a free estimate today.


  • Great Tips to Save on Rent

    Rent will probably be the single biggest expense in your weekly budget, and it is of a high priority too – after all it is providing a roof over your head. However, while there is no doubt you have to pay your rent, there is nothing saying you have to accept the rate you are being charged without questioning it, because there are ways you can make your rent more affordable, and bring it into line with the current economic situation of your neighborhood.

    To save money on your rent each week, consider implementing these tips:

    1– Know the competition

    The rent you are paying should be on par with the amount being paid by those renting similar properties in your area. Therefore, ask around to find out what the rental rate is, and try and find out the credit score and income of your neighbors too, as your ability to make your rental payments and your level of risk will impact on how much you pay each week.

    Also research the demand for rental properties in your area, because when there are a lot of empty properties you are in a position to demand a lower rental payment each week, because your land lord will want to fill their property any way they can. If you already have a rental property then look at how many apartments or units are empty in your block, and start haggling with your land lord or property manager over the rent, threatening to leave if they don’t compromise.

    2 – Contact your property manager

    Deal directly with the property manager when you are negotiating the price of your rent. This will ensure you are talking to someone who is in a position to offer you a discount, and someone who is directly affected if you choose to leave and look for a better deal. Therefore, when you ring, ask to speak to the most senior person in the organization.

    3 – Write a letter

    If you do want to talk to the manager or supervisor at the top about your rent, you may be asked to put your request in writing. If you do write a letter, make sure you include the following information:

    • How long you have been living in the property.
    • The property values in the area, highlighting where they have decreased and especially the decrease in value of properties like yours.
    • The vacancy rates for rental properties in your area, or the number of empty apartments or units in your building or block.
    • Your income and credit score to show you are not a risky tenant.
    • The high condition you have kept the rental property in while you have been living there.
    • A comparison of rents for the same or similar properties in your area.
    • Request a discounted rental amount and don’t be afraid of going too low.

      4 – Work around the apartment

      All buildings need maintenance work completed every now and then, and usually the building supervisor will bring in maintenance workers to complete these jobs. However, if you volunteer to do these jobs around your building you can save the body corporate some costs, and it just costs you a little time. You are then in a position to request a discount on your rent in return for this maintenance assistance, and make sure you point out the savings you are securing for the building. You may even want to volunteer to be on call in case there is a problem with the building, and this will put you in a favorable light as land lords and property managers always benefit when their tenants care about the property.

      5 – Rent the right place

      You can start saving rent right from the beginning by choosing the right property for your needs. When you are looking for a rental have a clear picture of what you need, and be willing to compromise on what you want – for example you may have to sacrifice that spare room and have your sister sleep on the couch when she visits twice a year, or live a little further from work to save on your rent.

    Also take the time to shop around so that you can get an idea of what the rent should be for the type of property you are looking at, and the area you are looking at. For example, if you find a rental you are interested in, make sure you look at two other similar properties in the area, and a real estate agent can help you with this search.

    6 – Share the rent

    If you are willing to compromise some of your personal space, then you can cut your rent in half or third by taking on a roommate or two. Your roommate could be someone you work with, a friend, or you can put an ad in the paper, just make sure that you do a thorough background check on your potential roommate to make sure they have the financial ability to pay the rent.

    7 – Don’t pay for additional services

    Make sure you are not paying for additional services with your rental property that you don’t need. For example, there may be car cover charges which you don’t need to pay because you don’t have a car. You will have to read your rental contract carefully to make sure you understand all aspects, and know exactly what you are paying for.


  • 3 Big Credit Card Mistakes to Avoid

    There are many benefits to having a credit card. Some can help you to establish a good credit score, offer rewards on transactions or help you to spread the cost of a large purchase.

    These benefits are often what attract customers to credit cards in the first place. However it shouldn’t be forgotten that the success of them largely depends on how well they are managed. A well-managed credit card can be very beneficial to your finances whereas a poorly managed card could cause financial problems.

    Throughout this article we are going to discuss 3 of the most popular credit card mistakes that you should avoid at all costs.

    Interest Out - Cash Back In

    Cash back credit cards work on the basis that you spend money throughout the course of the month and then earn cash back as a reward for your spending. Most cards will have an introductory offer such as 5% cash back in the first three months, this means if you use your card for the bulk of your spending you could find yourself with a earning a decent amount of cash back.

    The problem is, these cards also have quite high interest rates (usually around 20% APR) meaning if you fail to repay the balance in full, the interest you are being charged could outweigh the cash back you are earning. By tracking the amount you are spending and paying off the balance in full each month you will never risk losing any of your hard earned cash back in interest charges.

    Only paying the minimum payment

    Don’t get me wrong, making the minimum payment is better than not paying at all, but it’s certainly not a trap that you want to get stuck in. The minimum payment is generally around 3% of the outstanding balance and will be stated on the bill. The problem is although you may feel like you’re steadily chipping away at the balance interest is accruing at a similar rate meaning you’re barely shifting any of it.

    In fact, if you have $3,000 worth of debt on a 17% APR credit card and you only ever pay the minimum payment of 3% it will take you over 17.5 years to repay the balance! In this time you’ll have accrued $2,200 worth of interest making the total cost of credit $5,200.

    Multiple applications

    One of the most effective tools to use when searching for a credit card is the comparison website. By entering your details and requirements the comparison engine will return a lengthy list of providers that may be able to help. Its then up to you to decide which lender meets your needs best.

    The worst thing you can do in this situation is apply with a number of lenders in the hope that this will increase your chances of approval. This isn’t the case, by applying with multiple lenders you could actually be shooting yourself in the foot. This is because when you make an application the lender will carry out a credit search, every time you are credit searched this will leave a footprint on your file. If a prospective lenders sees that you’ve applied to multiple lenders it may indicate that you are desperate for money or financially unstable. Very few providers will be willing to lend to someone who looks financially unstable, regardless of whether they actually are or not.


  • 5 Tips to Increase Your Credit Score

    There are a number of ways to increase and improve your credit score, and they’re not as difficult as you might imagine. A high, solid FICO score is vital these days; it has an effect on everything from getting approved for a credit card to getting approved for a rental application or a mortgage. If your score is low, it can negatively impact dozens of areas of your life, so it’s simply not worth it to let your score plummet. When looking to improve your score, you have to be vigilant and determined, but as long as you are willing to work on it, you can fix most of the things which damaged it in the first place.

    Pay on Time

    Keeping on top of your finances is crucial when you want to improve your credit score. You simply don’t have the luxury of a lot of late payments, whether the bill is for your credit card, your cell phone, or your cable provider. Every late payment is a black mark on your record, and it causes your score to drop. There are several ways to make sure you pay off your bills on time:

    Set up a payment reminder;

    Set up a monthly budget;

    Use automatic payment methods

    Reduce Your Debt

    This option may be difficult but it can be done. Again, it will take hard work on your part. You can begin doing this by giving your credit cards a rest. You shouldn’t cancel them, because that’s generally more harmful than helpful. To get your finances updated and in order, just stop using them. You also need to be aware of your interest rates and the principle amounts you owe. By using the budget mentioned above, put the majority of your leftover funds toward paying off the cards that charge the most interest.

    Be Aware of Your Score

    Knowing your actual credits scores needs to be a top priority as well. It will let yo Credit monitoring services are another way to keep good track of your credit score on a daily basis, and be alerted if any major changes occur.u know exactly how much you need to improve. It will also let you see if there are any mistakes that can possibly be disputed. Often, someone’s score can lower dramatically due to something that isn’t even correct, which is why it pays to be both diligent and vigilant. 

    Don’t Move Your Debt

    In trying to get a handle on their finances, especially when it comes to credit card debt, many people make the mistake of “paying off” the balance of one credit card with another. Naturally, you really aren’t paying off anything; instead, you’re simply moving your existing debt from one place to another. It doesn’t really go anywhere, because then you are left paying off a larger balance on a different credit card.

    Credit Care

    While other bills are important in determining your score, credit cards are highly important as well. In addition to the mistakes mentioned above, cardholders hold a variety of misconceptions about their credit cards, which lead to bad decisions that can actually negatively impact their credit scores even more. When it comes to credit cards, you should not :

    Open several cards in a short amount of time;

    Close down cards you do not use;

    Open unnecessary cards in an attempt to better your score.

    Your finances are too important to take lightly, and your credit score is too vital to let it plummet because of mismanagement and mistaken conceptions. Increasing your score is surprisingly easy once you know what to do. As long as you are responsible with your money, you can see improvement in a surprisingly short amount of time.

    Diane Johnson graduated from the University of Utah with a degree in political science. When she’s not traveling she enjoys writing articles about University of Phoenix, reading books and shopping.


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